COVID-19 TRAVEL ASSISTANCE INSURANCE

-SPECIAL INSURANCES-

 

 

Volver Avanzar

Assistance Phone 24h: (+34) 915 14 99 59

Complementary travel assistance insurance for Galicia pilgrims (national or international) with COVID-19 coverage.


               

Includes medical, surgical, pharmaceutical and hospitalization expenses; transportation or repatriation of the injured / sick / deceased and their insured companions, as well as expenses for extension of stay.

Travel Assistance Insurance

Purpose of the contract
To guarantee healthcare assistance, repatriation and indemnity due to an extension of stay as a result of COVID-19.

Cover is provided in an inclusive format, for all tourists whether domestic (with place of residence outside the Autonomous Region of Galicia) or international, travelling in the Autonomous Region of Galicia and lodging at any type of hotel establishment governed by the Autonomous Region of Galicia.

This policy represents insurance that is complementary (second layer) to the insurance or cover that the insured traveller may have; the said insurance covering the insured traveller being applicable in the first instance.

guarantee
The sums that are shown as a limit for each of the cover provisions of this insurance contract are understood to be total maximum amounts for the entire effective term.

Medical, surgical, pharmaceutical and hospitalisation expenses
The Insurer will, up to the limit indicated in the cover table, defray the consequences of an unexpected Accident or Illness (including COVID-19 with a confirmed positive test) affecting the Insured Person:

a) Medical and surgical expenditure and fees.
b) Necessary pharmaceutical expenditure under medical prescription for the treatment of the pathologies covered under this policy.
c) Hospitalisation costs.

In order to verify the appropriateness of the attention received, the Medical Team of the Insurer will contact the Health Centre where the Insured Person is being attended.
An excess of 50 Euro is set in all cases, to be paid by the Insured Person.

Medical transport or repatriation of the sick and injured
In the event of the Insured Person testing positive for COVID-19, the Insurer will defray:
a) The cost of transport by ambulance to the nearest clinic or hospital.
b) A prior check by the Medical Team of the Insurer in contact with the doctor attending the sick Insured Person, in order to determine the proper measures for the best treatment to be followed and the most appropriate means to transport the Insured Person to the most suitable hospital or place of residence thereof.
c) The cost of transfer from the place where the sick or injured Insured Person is first attended, by the most suitable means of transport, to the prescribed hospital, where authorised by the Insurer, or to the usual place of residence thereof. In the event of hospitalisation in a hospital distant from the usual place of residence, the Insurer, upon the medical discharge of the insured person, will take charge of the subsequent transfer to the usual place of residence or holiday destination thereof.

The means of transport used will be organised in accordance with the pathology affecting the insured person. Should the urgency and seriousness of the case so require, repatriation may be carried out using an air ambulance in the event that the usual place of residence of the patient is within Europe or the countries of the Mediterranean fringe. The transfer will otherwise be made using a regular airline.

In order to verify the appropriateness of the attention received, the Medical Team of the Insurer will contact the Health Centre where the Insured Person is being attended.

Transport or repatriation of Insured Persons and/or Insured Companions
a) In the event that one or more of the Insured Persons has been transferred or repatriated due to COVID-19 pursuant to the provision for the medical transport or repatriation of the sick or injured, the Insurer will undertake the transport of the Insured Companions or the return thereof to their usual place of residence or the place where the transferred or repatriated Insured Person is located, along with the subsequent transfer to the place of residence thereof. The Insurer is subrogated into the rights corresponding to Insured Persons relating to the tickets for the return initially envisaged.
b) In the event that the Insured Persons referred to in the preceding paragraph (a) are less than than 15 years age or disabled and no family member or person of trust is available to accompany them during travel, the Insurer will provide a person to travel with them to their place of residence or place where the Insured Person is hospitalised.
c) In the event that the Insured Person, having recovered in terms of health (under the supervision of the attending medical team and in accordance with the medical team of the Insurer), is permitted to rejoin the travel plan, the Insurer will meet the cost of the said re-incorporation of the insured person and the insured companions that have made use of this provision.

Transport or repatriation of persons deceased due to COVID-19
a) The Insurer will take charge of all of the formalities to be undertaken in the place of death of the Insured Person, as well as the transport or repatriation thereof to the burial place in the country of the usual place of residence.
b) The Insurer will take charge of the transport of a companion or of the Family Unit of the Insured Person to the place of burial. The Insurer is likewise subrogated into the rights corresponding to Insured Persons relating to the tickets for the return initially envisaged.
c) In the event that the Insured Persons referred to in the preceding paragraph (b) are less than than 15 years age or disabled and no family member or person of trust is available to accompany them during travel, the Insurer will provide a person to travel with them to the place of burial.

Cost of the extension of a hotel stay on the part of the insured person (including in the case of quarantine)
In the event that the provision for the payment of medical expenses or provision of assistance is applicable, the Insurer will meet the cost of the extension of a hotel stay on the part of the Insured Person, following hospitalisation and/or under medical prescription, up to the maximum amount set out in the cover table.

Cost of the extension of a hotel stay on the part of the Companion due to medical prescription (including in the event of quarantine)
In the event that the provision for the payment of medical expenses or provision of assistance is applicable, the Insurer will meet the cost of the extension of a hotel stay on the part of the companion (non-family) or the Family Unit accompanying the Insured Person in a hotel, following hospitalisation and/or under medical prescription, up to the maximum amount set out in the cover table.

Exclusions
Unless expressly included in the corresponding cover, the damages, situations, expenses and consequences arising from the following are excluded from the insured provisions:

  1. Events occurring prior to the entry into force of the Policy.
  2. Fraudulent Acts on the part of the Insured Person, Policyholder and/or beneficiaries of the Policy.
  3. Illnesses, injuries or conditions that do not consist of COVID-19, as well as the consequences of COVID-19 suffered by the Insured Person prior to the cover period of this insurance or prior to travel covered under this insurance.
  4. Suicide, attempted suicide or self-harm.
  5. Epidemics; pandemics; infectious diseases that appear suddenly and spread rapidly through the population. Quarantine periods derived from any of the aforementioned causes are likewise excluded, unless expressly included in the provisions.
  6. Illnesses caused by atmospheric pollution and/or contamination.
  7. Illnesses and accidents derived from the consumption of alcoholic beverages, narcotics, drugs or medication, other than that which has been prescribed by a doctor.
  8. The medical transfer of the sick or injured when the condition is caused by disorders or injuries which may be treated “in situ”.
  9. Voluntary refusal, delay or anticipation of the medical transfer proposed by the Insurer and agreed with the medical service thereof.
  10. Acts of reckless disregard or gross negligence; the expenses arising from criminal acts or the participation of the Insured Person in wagers, challenges or disputes, other than in cases of legitimate self-defence and/or where the life thereof is at risk.
  11. Wars, demonstrations, insurrections, acts of Terrorism, Sabotage, and Strikes, whether officially declared or otherwise.
  12. The transmutation of the atomic nucleus, as well as radiation caused by the artificial acceleration of atomic particles
  13. Telluric movements, flooding, volcanic eruptions and, in general, those elements that are caused by the release of the forces of nature. Whatever other phenomena of a catastrophic or extraordinary nature which, as a result of size and seriousness, are classified as catastrophic or disastrous.
  14. Breach of the laws or regulations in force at the time of the insured loss.
Insured

• Anynational (resident in Spain, other than in the Autonomous Region of Galicia) or international traveller (not resident in Spain), travelling to the Autonomous Region of Galicia as a tourist by whatever means of transport, lodging in an officially recognised establishment with a demonstrable booking, during the stay thereof within the cover period of the insurance.
• Pilgrims: any person (not resident in the Autonomous Region of Galicia) that is following the Way of St. James (either on foot, on horseback or by bicycle), carrying the pilgrim’s passport and spends a minimum of one overnight stay in a hostel or dormitory belonging to the Autonomous Region of Galicia.

Territorial scope and coverage
TERRITORIAL SCOPE
Cover under this insurance contract is valid throughout the Autonomous Region of Galicia.

SCOPE OF INSURANCE COVER
Establishments governed by the Autonomous Region of Galicia are understood to consist of those covered under Act 7/2011, dated October 27, on Tourism in Galicia, these being:

a) Hotel establishments:

  • a.1. Hotels (such as hotel apartments, spa hotels, thalassotherapy hotels, motels). Those establishments that offer accommodation with or without a dining area and other complementary services, that occupy one or more buildings in their entirety or a separate part thereof, the premises of which constitute a homogeneous unit, with entrances, staircases and lifts for exclusive use, and which possess the minimum technical requirements according to the category thereof.
  • a.2. Guest houses (also known as Hostels). Guest houses or hostels are those establishments that offer accommodation with or without a dining area, along with other complementary services, and which have a structure and characteristics that prevent them from achieving the requirements and conditions necessary for hotels.
  • a.3. Inns Tourist accommodation establishments that, as determined by the regional authorities, feature a series of special attributes owing to either their architectural characteristics or exceptional location in places of great landscape value.

b) Tourist apartments. Properties contained within blocks of flats or in groups of lodging units such as cottages, bungalows and other similar buildings, that are entirely assigned to tourist accommodation rather than permanent housing.

c) Tourist residences. Free-standing single-family establishments in which a tourist accommodation service is provided, with capacity not exceeding ten persons and which, due to the structure and services thereof, possess the facilities and furnishings for immediate use as well as the storage, preparation and consumption of food and drink within the establishment.

d) Residential units for tourist use. Housing units assigned to third parties for tourism purposes. To this effect, the purpose is considered as tourism where the assignment is reiterated and provided in exchange for financial compensation for short stays. Short stays are considered as those in which the assignment of use is less than 30 consecutive days.

e) Tourist camp sites. Tourist camp sites are considered to consist of tourist accommodation establishments that, occupying an area of land that is duly demarcated and features the facilities and services set out under regulations, are assigned to providing temporary stays in tents, caravans, motorhomes or any similar transportable item, as well as other fixed installations assigned to temporary accommodation and which are operated by the legal operator of the camp site.

f) Rural tourism establishments (rural inns, typical Galician houses (pazos), country houses, rural tourism hamlets and villages and other similar establishments as stipulated by regulations). Those buildings located in a rural setting that, due to the particular characteristics thereof in terms of construction, location, exceptional nature or age, provide tourist accommodation services.

g) Tourist hostels. Establishments that offer accommodation on a per bed basis, primarily in dormitories and offering complementary services or otherwise.

PROCEDURES IN THE EVENT OF INSURED LOSS

• 24hr Travel Assistance: +34 91 514 99 59

• Application for authorised payments:
1.- Website: https://xunta.eclaims.europ-assistance.com
2.- Apdo. Correos: 36316 – 28020 Madrid

Following an event that may give rise to the provision of any of the cover under the contract, an essential requirement shall be the immediate notification of the loss to the Insurer, those benefits not previously notified to the Insurer and those for which the corresponding authorisation has not been received being, in general terms, expressly excluded.

In the event that the aforementioned notification is prevented by force majeure, steps must be taken forthwith to end the circumstance impeding notification.

Contact having been established, the insured person is required to indicate: Policy number, name and surname, present location, contact telephone number, and detail the circumstances of the insured loss and the type of assistance requested.

Having received notification, the Insurer will give the necessary instructions with the aim of providing the service required. In the event that the insured person acts contrary to the instructions given by the Insurer, the expenditure incurred therebywill be borne by the insured person.

The Insured Person is required to notify the Insurer of the occurrence of the loss within a maximum time frame of 7 days as of awareness of the event. In the event of breach, the Insurer is entitled to reclaim the damages and losses caused by failure to perform the aforementioned declaration.

The reimbursement of any expenditure authorised by the Insurer may be requested by visiting gestion_pagos@europ-assistance.es, where it is possible to create a reimbursement claim, or in writing to apartado de correos 36316 (28020 Madrid). Presentation of the original invoices and justification statements is necessary in any event.

Reimbursements performed by the Insurer will be made pursuant to Spanish law, in particular with regard to the stipulations concerning payments in cash and capital flows out of the national territory. Consequently, in order to reimburse an amount equivalent to or exceeding 10,000 Euro (or exchange value thereof in foreign currency) for the costs of the contingencies covered paid by the Insured Person in cash outside of Spain, the Insurer requires the submission of a bank statement of the withdrawal outside Spain or a declaration made pursuant to Article 34 of Act 10/2010 on the prevention of money laundering.

PROCEDURES TO BE UNDERTAKEN BY THE INSURED PERSON IN THE EVENT OF A COMPLAINT
Policyholders, insured parties, beneficiaries, aggrieved third parties or assignees of any of the aforementioned may present complaints in the section “Customer Protection” of the website or in writing to the Complaints Service:
Address: Complaints Service
Cl. Orense, 4 – Planta 14
28020- MADRID
reclamaciones@europ-assistance.es

What does the Insured Person need to provide when contacting the Insurer?
▪ Name, full address, telephone number and e-mail address (where applicable).
▪ The policy or case number.
▪ The motive for the complaint.
▪ Copy of any pertinent documentation.

How will the complaint be dealt with?
The Insurer undertakes to:
▪ Acknowledge receipt of the complaint at the earliest opportunity;
▪ Carry out the necessary investigations;
▪ Resolve the complaint within the legally stipulated time frame;
▪ Use the information contained in the complaint in order to improve services.

And if you remain unsatisfied?
In the event that the Insured Person is unsatisfied with the final response of the Insurer, the Insured Person is entitled to contact the Complaints Service of the General Directorate of Insurance and Pension Funds (Servicio de Reclamaciones de la Dirección General de Seguros y Fondos de Pensiones).
The contact details are:
Pº de la Castellana, 44
28046- MADRID
https://www.dgsfp.mineco.es/reclamaciones/

International sanctions

The Insurer will not provide cover, accept any Claim or provide any service or provision whatsoever under the policy that may expose it to any sanction, prohibition or restriction by way of the sanctions issued by the United Nations, any trade or economic sanctions, laws or regulations of the European Union or of the United States of America.

For further details, please visit the web pages:
• https://www.un.org/securitycouncil/sanctions/information
https://sanctionsmap.eu/#/main
https://www.treasury.gov/resource-center/sanctions/Pages/default.aspx

LEGISLATION AND GOVERNING LAW
For the purposes of this insurance contract, the Insured Person and the Insurer are subject to Spanish legislation and jurisdiction. A judge having jurisdiction at the usual place of residence of the insured person shall acknowledge the entitlements in contract.
Liability
An insured loss having occurred, the Insurer shall not accept any liability regarding the decisions and conduct assumed by the Insured Person contrary to its instructions or those of the Medical Service thereof.
Definitions
INSURER
EUROP ASSISTANCE S.A., SUCURSAL EN ESPAÑA, (hereinafter, EUROP ASSISTANCE), with registered address at C/. Orense 4, Planta 14, 28020 Madrid, that assumes the contractually agreed risk; authorised and regulated by the Autorité de Contrôle Prudentiel et de Résolution (ACPR), with registered office at 4, Place de Budapest, CS 92459, 75436 Paris Cedex 09, France and, with regard to market practices, by the Directorate General for Insurance and Pension Funds (DGSFP) of the Spanish Economy Ministry.

POLICYHOLDER
AGENCIA DE TURISMO DE GALICIA. (Tax registration code (CIF): Q1500394J) that subscribes and pays for the Policy to the Insurer. The Policyholder assumes the duties corresponding thereto and that are derived from the Policy.

INSURED PERSON
Any national (resident in Spain, other than in the Autonomous Region of Galicia) or international traveller (not resident in Spain), travelling to the Autonomous Region of Galicia as a tourist by whatever means of transport, lodging in an officially recognised establishment with a demonstrable booking, during the stay thereof within the cover period of the insurance.
Pilgrims are also considered Insured Persons: any person (not resident in the Autonomous Region of Galicia) that is following the Way of St. James (either on foot, on horseback or by bicycle), carrying the pilgrim’s passport and spends a minimum of one overnight stay in a hostel or dormitory belonging to the Autonomous Region of Galicia.

COMPANION
Family member of the insured person, spouse, civil partner or person living with the former as such, ascendant/descendant relatives of any degree of kinship (parents, children, grandparents, grandchildren) of both members of the partners in the couple, relatives in collateral line considered as family members of the insured person consisting of the siblings, non-blood related siblings, siblings-in-law, children-in-law or parents-in-law of both partners in the couple

FAMILY MEMBER / FAMILY UNIT
A family member of the insured person is considered to consist of the spouse, civil partner or person cohabiting with the former as such, ascendant/descendant relatives of any degree of kinship (parents, children, grandparents, grandchildren) of both members of the partners in the couple, relatives in collateral line considered as family members of the insured person consisting of the siblings, non-blood related siblings, siblings-in-law, children-in-law or parents-in-law of both partners in the couple.

QUARANTINE
Isolation of persons during a period of time as a method of preventing or limiting the risk of the spread of an illness or epidemic/pandemic.

UNFORESEEN ILLNESS
Unexpected change in the state of health of a person during Travel insured under the Policy. The said impairment in health most require assistance by a doctor. The aforementioned must necessarily be a legally recognised doctor or dentist that diagnoses and confirms the said change in health. We consider Covid-19 as being equivalent to any other illness.

ACCIDENT
Bodily injury or material damage that occurs during the effective term of the Policy. This must be caused by an event that is sudden, external and unintentional on the part of the Insured Person.

Processing of personal data
WHO IS THE DATA CONTROLLER?
Europ Assistance, S.A., Sucursal en España (en adelante, la “Compañía Aseguradora”)
NIF: W-2504100-E
Registered Office: Calle Orense, número 4, 28020 Madrid.
Data Protection Officer (DPO): you may contact the DPO in writing, addressed to the Registered Office of the Insurer, indicating in the reference “Data Protection Officer”, or in writing to the e-mail address: delegadoprotdatos@europ-assistance.es

WHAT IS THE PURPOSE OF THE PROCESSING OF YOUR PERSONAL DATA?
The processing is mixed in nature (automated and manual) and undertaken for the following purposes:
– To carry out the performance and fulfilment of the contractual relationship arising from the policy.
– Preparation, drafting and production of the documentation relating to the insurance.
– Performance of necessary evaluations following the occurrence of a claim or an event covered by the policy subscribed.
– Undertaking of any duty that is legally required or contractually agreed.
– Performance of actions aimed at preventing, detecting or pursuing fraud.

WHAT IS THE LEGITIMATE BASIS OF THE PROCESSING?
– Performance of the contract between the Insurance Policyholder, the insured persons and/or beneficiaries and the Insurer.
– Legitimate Interest.
– Legal Duty.

WHO ARE THE RECIPIENTS OF YOUR DATA?
– The companies belonging to the Insurer’s Group, in order to manage the contractual relationship held with you.
– The bank of the Insurer and the companies of its Group, along with the bank of the data subject in order to effect the direct debit order in accordance with regulations in force.
– The entities that act as insurance brokers or distributors for the management of the insurance policies processed thereby.
– The service providers chosen by the Insurance Company, the intervention of whom is necessary for the management of the assistance covered under the policy.
– The Commission for the Prevention of Money Laundering and Monetary Offences (SEPBLAC), in order to comply with legally established requirements.
– The General Directorate of Insurance and Pension Funds, in accordance with the legally established provisions.
– The tax authorities competent in this area, pursuant to compliance of strictly legal and fiscal purposes.
– The Public Authorities with regard to the competencies attributed thereto.
– In the case of insurance cover in the event of death, the General Register of Wills and Testaments, managed by the General Directorate of Registers and Notaries, pursuant to applicable regulations on these matters.

PROCESSING OF HEALTH DATA
The Insurer notifies you that, for the management of claims arising from the policy and coverage included therein, it is necessary that personal data relating to your health be processed, whether this has been obtained by means of the health questionnaire or any other questionnaire that may in future be provided during the term of the contractual relationship or which the Insurer may obtain from third parties (whether originating from public or private health centres or other health professionals, both national and international, from examinations or additional medical check-ups that may be required by the Insurer or other public or private entities).

PROCESSING OF THIRD-PARTY DATA
In the event that data relating to third parties is provided, the contracting party in the policy is required to have obtained the prior authorisation thereof regarding the transfer of data to the Insurer for the purposes agreed herein.

HOW LONG WILL WE STORE YOUR DATA?
Other than where your consent is given, we solely conserve your data for such time as you remain a client and a relationship with you remains in place.
As of that moment, solely the minimum necessary data relating to the operations and transactions performed in order to address any claim that has not prescribed will be conserved and duly restricted (in other words, available solely to the corresponding authorities and for the defence of the entity). In general terms, the applicable time frames are 10 years under the Prevention of Money Laundering Act, where applicable, and 5 years to address any claims under insurance policies covering damages to persons.
The data will be definitively deleted once the said time periods have elapsed. In the event that you are not a client and have made a subscription request, we will conserve your data solely whilst the offer that has been made remains valid or, where no time period is stipulated, in accordance with the legally stipulated time frame.

WHAT ARE YOUR RIGHTS?
You are entitled, at any time and free of charge, to exercise the following rights by means of written communication addressed to Europ Assistance S.A, Sucursal en España, C/. Orense, 4 28020 Madrid, indicating “Data Protection” in the reference and attaching a photocopy of your national identity document:
– To revoke the consent granted for the processing and communication of your personal data.
– To access your personal data.
– To rectify imprecise or incomplete data.
– To request the deletion of your data where, among other reasons, the data is no longer necessary for the purposes for which it was collected.
– To object to the processing of your data.
– To request the transferability of your data.
– To make a claim to the Spanish Data Protection Agency, at the following address: Calle de Jorge Juan, 6, 28001 Madrid, in the event that you consider that the entity Europ Assistance S.A, Sucursal en España has violated your rights acknowledged in accordance with the data protection regulations.
To this end, the interested party is entitled to contact the Data Protection Officer (DPO) in writing at Europ Assistance S.A., Sucursal en España, C/. Orense, número 4, 28020 Madrid, or by sending an e-mail to the address delegadoprotdatos@europ-assistance.es

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